EPFO Simplifies PF Withdrawals: 100% Possible with New Rules from 2025

• EPFO is simplifying PF withdrawal processes, with major changes becoming evident in 2025, making it faster and more employee-friendly.
• The previous 13 complex withdrawal categories have been streamlined into five broad categories for clarity.
• A uniform minimum service period of just 12 months is now sufficient for almost all partial withdrawals, simplifying eligibility.
• Withdrawal limits have increased; employees can now withdraw employer contributions and accrued interest, potentially up to 75% of the eligible PF balance.
• 100% PF withdrawal is allowed for specific reasons like medical expenses, education, marriage, housing, and job loss, with some balance reserved for long-term security.

Why It Matters: EPFO's new rules from 2025 simplify PF withdrawals, offering greater flexibility and higher limits for employees.